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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $460
- First-Year Value Estimate
- $952
- Net Value
- +$365
Card type: PersonalForeign transaction fee: NoneCurrency: Marriott Bonvoy
Sign-up Bonus
4 Free Night Awards after spending $3K on eligible purchases within 3 months of account opening. Redeem your Free Night Award for a one-night stay at properties with a redemption level up to 50K points per night. Certain hotels have resort fees. Special Offer through 6/30/2027: Get up to $100 in statement credits after spending $500 on eligible airline purchases. That's $50 in statement credits semi-annually.
Am I eligible?Earning Structure
6XMarriott purchases4.4%
3XU.S. gas stations2.2%
3XU.S. grocery stores2.2%
3XU.S. restaurants2.2%
2XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (3)
- Airline Credit: $50 (Semi Annual Calendar Year)
$50 statement credit after spending $250 on eligible airline purchases Jul 1-Dec 31, 2026; second $50 credit after spending $250 on eligible airline purchases Jan 1-Jun 30, 2027. Available to new and current cardholders; activation required for current cardholders. Through 6/30/2027.
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
- Instacart: $10 (Monthly)
$10 Instacart credit every month with an active Instacart+ membership through December 31, 2027
Elite Status (4)
- Marriott Bonvoy: Silver
- Marriott Bonvoy: Gold
- Marriott Bonvoy: 15 elite night credits per year
- Marriott Bonvoy: 1 elite night credit per $5K spent
Protections (8)
- Travel Accident Insurance — up to $500,000 — Up to $500,000 for death/dismemberment on common carrier
- Trip Delay — up to $500 — Up to $500 per traveler for delays over 12 hours or requiring overnight stay
- Lost Luggage — up to $3,000 — Up to $3,000 per traveler for lost, damaged, or stolen luggage
- Baggage Delay — up to $500 — Up to $100/day for 5 days for essentials when baggage delayed 6+ hours
- Purchase Protection — up to $500 — 120 days coverage for damage/theft, up to $500 per item
- Extended Warranty — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for collision/theft on rental vehicles
- Roadside Assistance — up to $50 — Up to $50 per incident, 4 times per year
Other Perks
- Annual Free Night Award (up to 35K points, can top up with up to 25K additional points)
- Complimentary DoorDash DashPass for 12 months (activate by 12/31/2027)
- Complimentary Instacart+ membership for 3 months (activate by 12/31/27)
